BEGIN:VCARD
VERSION:3.0
REV:2026-04-19T09:23:48Z
N;CHARSET=utf-8:Higgins;Jay;;;
FN;CHARSET=utf-8:Jay Higgins
TEL;WORK:(651) 571-3523
ADR;WORK;POSTAL;CHARSET=utf-8:;;1950 Northwestern Ave S Ste 106;Stillwater;
 MN;55082;US
URL:http://stillwater.efsadvisors.com/
END:VCARD